Comparing auto insurance in Arkansas is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Arkansas pricing is shaped by severe storms, tornadoes, hail, flooding, winter storms, rural highway exposure, deer collisions, and traffic around Little Rock, Northwest Arkansas, Fort Smith, Jonesboro, and Hot Springs. NOAA lists 97 billion-dollar weather and climate disaster events affecting Arkansas from 1980 through 2024, including 55 severe storm events, 17 drought events, 9 flooding events, 9 winter storm events, and 5 tropical cyclone events.
Arkansas premiums can vary between Little Rock, North Little Rock, Fayetteville, Springdale, Rogers, Bentonville, Fort Smith, Jonesboro, Conway, Hot Springs, Pine Bluff, rural Delta counties, mountain communities, and border areas because traffic density, commute mileage, garaging ZIP code, storm and hail exposure, theft risk, animal collisions, local claim patterns, vehicle type, driver history, and carrier pricing differ across the state.
25/50/25
$25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people in one accident, and $25,000 property damage liability
At Fault
Offer/Rejection Rule
Arkansas is an at-fault state, but private passenger auto policies include first-party benefits unless rejected in writing. Arkansas law lists minimum first-party benefits of $5,000 medical and hospital benefits per person, income disability benefits subject to statutory limits, and $5,000 accidental death benefits. The named insured may reject all or any of these coverages in writing.
Offer/Rejection Rule
Arkansas uninsured motorist bodily injury coverage is included unless rejected in writing by a named insured. Arkansas underinsured motorist coverage must be offered with the opportunity to reject it in writing, but UIM is not required to be offered unless the insured has elected uninsured motorist coverage.
Source: Arkansas Code Section 27-22-104
Recent rate data estimates Arkansas annual auto insurance premiums at about $2,638 for full coverage and $524 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,638/yr |
| Clean record, 35, minimum required coverage | ~$524/yr |
NerdWallet June 2026 Arkansas median annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, discounts, claims history, prior insurance, and carrier.
Arkansas minimum coverage focuses on required protection such as $25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people in one accident, and $25,000 property damage liability. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Arkansas rules recognize an SR-22 as a certificate of insurance used to prove financial responsibility. The official rule describes the SR-22 form contents, including insured name, policy number, effective date, owner or operator policy type, vehicle details where applicable, issue date, insurer name, and authorized signature. The exact filing trigger and duration should be confirmed from the driver’s court, suspension, or Office of Driver Services notice before publishing a fixed duration.
Arkansas guidance reviewed for this page refers to SR-22 financial responsibility certificates, not FR-44. Do not publish FR-44 as a standard Arkansas requirement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Arkansas auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Arkansas drivers, including:
Arkansas drivers should ask about safe-driver, accident-free, good-student, multi-car, bundling, low-mileage, anti-theft, vehicle safety feature, telematics, paperless billing, automatic payment, and pay-in-full discounts. Arkansas law also provides for an appropriate premium reduction for insured drivers age 55 or older for three years after completing an approved motor vehicle accident prevention course.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Group | 24.76% |
| 2 | Progressive Group | 14.36% |
| 3 | Southern Farm Bureau Casualty Group | 12.76% |
| 4 | Allstate Insurance Group | 9.52% |
| 5 | Shelter Insurance Group | 9.23% |
| 6 | Berkshire Hathaway Group | 5.46% |
| 7 | United Services Automobile Association Group | 4.57% |
| 8 | Farmers Insurance Group | 3.33% |
| 9 | Alfa Insurance Group | 2.55% |
| 10 | Liberty Mutual Group | 2.41% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Arkansas total private passenger auto group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Arkansas cities:
The estimated average cost of car insurance in Arkansas is $2,638 per year for full coverage and $524 per year for minimum required coverage, based on NerdWallet’s June 2026 rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Arkansas requires drivers to carry at least 25/50/25 liability coverage: $25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people in one accident, and $25,000 property damage liability.
Arkansas is an at-fault state, but auto policies include first-party benefits unless the named insured rejects them in writing. Uninsured motorist bodily injury coverage is also included unless rejected in writing. Underinsured motorist coverage must be offered with an opportunity to reject it in writing, but Arkansas law ties UIM availability to the insured having elected UM coverage.
Arkansas rules recognize an SR-22 as a certificate of insurance used to prove financial responsibility. An SR-22 is not a separate insurance policy; it is a filing that proves required coverage is in place. Drivers should follow the exact requirement shown on their court, suspension, or Office of Driver Services notice.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Arkansas drivers can compare quotes, maintain continuous coverage, ask about safe-driver, good-student, multi-car, bundling, low-mileage, anti-theft, safety-feature, telematics, and payment-related discounts, review deductibles, and check whether a 55-and-older accident-prevention course discount applies.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
